Cheapest Car Insurance Quotes in Clearwater

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Clearwater Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Clearwater

The car insurance rate in Clearwater is $993 for a six-month policy, which is $29 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Clearwater can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Clearwater

$993

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Clearwater

1st place: AutoOwners Insurance Co

At $477 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $703 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $747 for six months, making it the third cheapest auto insurance company in Clearwater.

Clearwater Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clearwater, KS is AutoOwners Insurance Co, offering policies at just $477 for a six-month term. This is followed by Travelers, which has an average six-month premium of $703.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1584 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clearwater drivers find the best deals.

Cheap Car Insurance Companies in Clearwater, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$477	$79
Travelers	$703	$118
American Family	$747	$126
USAA	$747	$126
Nationwide	$814	$137
Shelter	$881	$148
Auto-Owners	$1009	$168
State Farm	$1022	$172
Progressive	$1120	$188
Farmers	$1151	$194
Encompass	$1297	$216
Farm Bureau	$1365	$232
Allstate	$1584	$267

Key Takeaways

Way's key takeaways about car insurance in Clearwater

The auto insurance costs in Clearwater fall around $477 for six months.
The cheapest auto insurance company in Clearwater is USAA.
Teen drivers pay the highest rate in Clearwater at $792 per month.

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Cheapest Minimum Liability Car Insurance in Clearwater

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Clearwater are given below.

USAA provides the cheapest minimum car insurance coverage in Clearwater. Their Average 6 Month Premium is $165. Encompass is the most expensive at $245 for the same period.

Cheapest Liability Coverage in Clearwater, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$165	$28
Auto-Owners Insurance Co	$171	$29
Iowa Farm Bureau	$214	$36
Farmers Union Insurance	$227	$38
Travelers	$233	$39
Auto-Owners	$245	$41
Electric	$245	$41
Kansas Farm Bureau	$256	$43
Progressive	$263	$44
American Family	$269	$45
State Farm	$269	$45
Farm Bureau	$275	$46
Shelter	$312	$53
Farmers	$447	$75
Allstate	$593	$100
Encompass	$245	$41

Cheapest Full Coverage Car Insurance in Clearwater

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Clearwater is AutoOwners Insurance Co at $79 per month and $477 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clearwater, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$477	$79
Travelers	$703	$118
American Family	$747	$126
USAA	$747	$126
Nationwide	$814	$137
Shelter	$881	$148
Auto-Owners	$1009	$168
State Farm	$1022	$172
Progressive	$1120	$188
Farmers	$1151	$194
Encompass	$1297	$216
Farm Bureau	$1365	$232
Allstate	$1584	$267

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Average Car Insurance in Clearwater by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Clearwater, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Clearwater, Kansas, may be increasing due to several external factors. Kansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Clearwater's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Clearwater

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$787
30s	Nationwide	$677
40s	Nationwide	$548
50s	Nationwide	$502
60s	Nationwide	$478
70s	Nationwide	$519

Cheapest Car Insurance Rates for Teen Drivers in Clearwater,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Clearwater at $38 per month. At $4705 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Iowa Farm Bureau	$251	$42
Farmers Union Insurance	$263	$44
Kansas Farm Bureau	$337	$56
Travelers	$728	$123
American Family	$1284	$216
USAA	$1523	$256
State Farm	$2148	$362
Shelter	$2393	$403
Progressive	$2410	$406
Farmers	$2778	$468
Farm Bureau	$3071	$512
Allstate	$4705	$792

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Clearwater.

As young drivers face the highest rates in Clearwater, Nationwide offers the cheapest auto insurance rates at $787 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Clearwater, Iowa Farm Bureau is the cheapest car insurance provider. At $410 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Clearwater is State Farm, offering rates of around $4320 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$410	$70
Farmers Union Insurance	$416	$69
Nationwide	$447	$76
Travelers	$783	$132
USAA	$997	$170
Progressive	$1022	$172
Shelter	$1107	$186
American Family	$1132	$191
Farmers	$1469	$247
Farm Bureau	$2520	$420
Allstate	$2643	$449
State Farm	$4320	$720

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Car Insurance Rates with An Accident in Clearwater

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Clearwater, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Clearwater

The cheapest car insurance companies after an at-fault accident in Clearwater include AutoOwners Insurance Co and Electric, offering $208 and $294, respectively. Encompass is an expensive provider with an average six-month premium of $337.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$208	$35
Electric	$294	$49
Iowa Farm Bureau	$331	$55
Farmers Union Insurance	$349	$60
Auto-Owners	$367	$61
Kansas Farm Bureau	$465	$79
Travelers	$526	$89
USAA	$606	$102
State Farm	$673	$113
American Family	$716	$121
Shelter	$942	$159
Progressive	$1187	$200
Farmers	$2062	$347
Farm Bureau	$2068	$351
Allstate	$2289	$385
Encompass	$337	$58

Clearwater Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clearwater KS. For example, the car insurance in Clearwater after a DUI increases to $1046 for a six month policy. While the rate increases by $233 for a six-month policy in the case of a speeding ticket.

Clearwater auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1199	$200
One Med/PIP claim	$1199	$204
Not-at-fault accident	$1230	$205
Two Med/PIP claims	$1284	$218
One comp claim	$1291	$215
Failure to show documents	$1328	$226
Two comp claims	$1340	$224
Failure to wear a seat belt	$1352	$230
Child safety restraint	$1388	$232
Driving with expired registration	$1388	$236
Driving without lights	$1388	$232
Speeding 6 - 10 MPH over limit	$1432	$243
Cell phone violation	$1450	$242
Driving too slowly	$1450	$246
Texting while driving	$1450	$242
Failure to yield	$1463	$248
Following too closely	$1463	$244
Illegal turn	$1463	$248
Wrong way/wrong lane	$1463	$244
In 65 MPH zone	$1469	$249
Speeding 11 - 15 MPH over limit	$1469	$245
Failure to stop at a red light	$1475	$250
Improper passing	$1475	$246
Speeding in school zone	$1475	$250
Speeding 16 - 20 MPH over limit	$1480	$247
Open container	$1492	$253
Operating a vehicle without permission	$1505	$251
Passing school bus	$1517	$258
Speeding 21 - 25 MPH over limit	$1517	$253
At-fault accident - less than $1000	$1536	$262
At-fault accident - $1000-$2000	$1694	$282
At-fault accident - greater than $2000	$1694	$288
Racing	$1873	$312
Reckless driving	$2031	$345
Driving with a suspended license	$2202	$367
Refusal to submit to a chemical test	$2227	$379
DUI	$2245	$374
Leaving scene of an accident/hit and run	$2337	$398

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Clearwater after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Clearwater.

The cheapest car insurance premiums in Clearwater are offered by Farmers Union Insurance at $404 for a six-month policy. However, it can be as expensive as $3242 with companies like Farm Bureau.

Clearwater car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$404	$69
Travelers	$557	$94
American Family	$661	$111
Progressive	$747	$126
State Farm	$912	$153
USAA	$1174	$198
Shelter	$1346	$227
Farmers	$1371	$231
Allstate	$1970	$332
Farm Bureau	$3242	$541

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Clearwater are offered by Iowa Farm Bureau at $269. However, it can be as expensive as $3500 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Clearwater after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$269	$45
Auto-Owners Insurance Co	$281	$47
Farmers Union Insurance	$300	$50
Travelers	$593	$100
American Family	$643	$108
USAA	$649	$108
State Farm	$661	$111
Progressive	$887	$149
Farm Bureau	$1169	$199
Shelter	$1303	$217
Farmers	$1401	$236
Allstate	$3500	$583

Car Insurance Price Trends in Clearwater, Kansas

Car insurance rates in Clearwater have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Clearwater rose by $191 in December compared to $190 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Clearwater rose to $47 in December, compared to $46 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Clearwater?

The car insurance in Clearwater is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Clearwater?

The cheapest car insurance in Clearwater is $79 per month for full coverage.

How much is car insurance in Clearwater for teenagers?

Car insurance for teenagers costs $227 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Clearwater?

The average cost of car insurance is $964 for a six-month policy. It will cost around $167 per month to insure your car in Clearwater.

Is car insurance expensive in Clearwater?

Car insurance can be expensive in Clearwater if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Clearwater can be affordable.

Cheapest Car Insurance Quotes in Clearwater

Why you can trust Way?

How Much Is Car Insurance in Clearwater

Avg. Car Insurance in Clearwater

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Clearwater

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Clearwater Car Insurance Rates by Company

Cheap Car Insurance Companies in Clearwater, KS

Way's key takeaways about car insurance in Clearwater

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clearwater

Cheapest Liability Coverage in Clearwater, KS

Cheapest Full Coverage Car Insurance in Clearwater

Cheapest Full Coverage Car Insurance Quotes in Clearwater, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clearwater by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Clearwater, KS increasing?

Car Insurance Premiums by Age in Clearwater

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clearwater,KS

If you are in your twenties Nationwide is the best choice for car insurance in Clearwater.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Clearwater

Cheapest Car Insurance Companies after an At-Fault Accident in Clearwater

Clearwater Car Insurance Rates by Violation

Clearwater auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clearwater after a DUI

Clearwater car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clearwater after Speeding ticket

Car Insurance Price Trends in Clearwater, Kansas

Average Car Insurance Cost in Clearwater by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clearwater, KS

Car Insurance Rates by State in the USA (2025 Update)

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